How to Save This Valentine’s Day

While it’s true that we are in the middle of tax season, we are also approaching the most romantic day of the year, Valentine’s Day. For centuries, on February 14, candy, flowers, gifts, and cards have been exchanged in a symbolic act of love towards others.

The key word here is symbolic. It’s not always the gifts themselves, but the thought and meaning behind them that truly matters. With that being said, don’t let the dollar amount you spend this year be wrongly correlated with how much you care. There are many ways to put a lot of creativity into a gift for your loved one without breaking the bank.

Here are a few ideas to start with:

  1. Candy – You can’t go wrong with sweets for your sweetie. Options range from high-end, gourmet chocolates to convenience store racks full of penny candy. Use your creativity and aim for fun, not price.
  2. Flowers – First and foremost, where you buy flowers does matter. Getting a good deal on something that doesn’t last isn’t a good deal at all. Be sure to purchase flowers from a local, trusted florist if at all possible. These have been refrigerated from the moment they were picked and are guaranteed to last.
  3. Food – For many, food is the quickest way to their heart. Try foregoing the usual expensive night out in exchange for a creative, fun night in. A romantic home-cooked meal can be just the trick. But try mixing it up a little and eat somewhere different than usual. Picnic style, anyone?
  4. Jewelry/Diamonds – If you are in the market for jewelry, it goes without saying that you want the most bang for your buck. But make sure you don’t get carried away on price. A woman isn’t going to be wearing the price tag. All that matters is that it’s beautiful and that she loves it. Aim for the most stunning piece you can afford on your budget.

So this Valentine’s Day, let your heart and mind do the talking more than your wallet. Try any of these simple ideas or come up with your own without breaking the bank.


About cozbycpa

Heather L. Cozby is a CPA on the South Shore and Cape Cod. The managing partner of Cozby & Company, LLC, Heather has the resources and experience necessary to provide quality professional services on a timely basis and at a reasonable cost. She specializes in tax planning & preparation; audit, review & compilation services; management advisory services; bookkeeping; and accounting. Her unique niche is in working with homeowners’ associations and condominium trusts, advising with rental real estate, and providing outsourced financial consulting for mid-sized companies. She is more entrepreneurial than most accountants, and offers the best of both worlds - providing the services of a larger firm while retaining the ability to connect with her clients on a personal level.
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